SWISH
SWISH
Pay using Swish:
Nr: 1236583736
(specify your social security number)
PAY
PAY
Payments in several ways
Choose the one that works best for you
Read more
SKICKA MEDDELANDE
SKICKA MEDDELANDE
Get in touch with us
Please don’t hesitate to contact a case officer
Send e-mail
CALL US
CALL US
010-550 78 50
Please don’t hesitate to contact a case officer
CALL US
CALL US
010-550 78 70
Please don’t hesitate to contact a case officer

Welcome to LEGALIS INKASSO!

Do you have an unpaid debt? Be smart and contact us. That’s the first step towards finding a solution and is always better than allowing the debt to get out of hand. Legalis Inkasso is a debt collection company with a difference. We are proud of our case officers and the personal connection they have with our clients. With us, you can get a fresh start and a solution that works for you.

Take the first step and call us now! Please note that you can pay using Swish: 123-658 37 36.

Legalis Inkasso is a licensed debt collection company and a member of the Swedish debt collector’s society Svensk Inkasso. Legalis Inkasso is the secondary business name of Sileo Kapital AB (556878-6403) holder of the debt collection licence. We are subject to monitoring by the Swedish Authority for Privacy Protection (IMY).

Please note that you can pay using Swish: 123-658 37 36.

Client Support

Client Support

Opening hours
Monday – Thursday 07:30 – 18:30
Friday 07:30 – 16:30

Welcome to LEGALIS INKASSO!

Do you have an unpaid debt? Be smart and contact us. That’s the first step towards finding a solution and is always better than allowing the debt to get out of hand. Legalis Inkasso is a debt collection company with a difference. We are proud of our case officers and the personal connection they have with our clients. With us, you can get a fresh start and a solution that works for you.

Take the first step and call us now! Please note that you can pay using Swish: 123-06 57 643.

Legalis Inkasso is a licensed debt collection company and a member of the Swedish debt collector’s society Svensk Inkasso. Legalis Inkasso is the secondary business name of Sileo Kapital AB (556878-6403) holder of the debt collection licence. We are subject to monitoring by the Swedish Authority for Privacy Protection (IMY).

Please note that you can pay using Swish: 123-06 57 643.

Client Support

Client Support

Opening hours
Monday – Thursday 07:30 – 18:30
Friday 07:30 – 16:30

There are different ways to pay.

You can choose the way you prefer. If you have any questions, please contact us and we will help you.

Does your customer number start with V? Click here

Direct payment Nordea

With direct payment, you can pay fast and easily on the Internet, directly from your account. The service works like a transaction from your account to the Legalis Inkasso account, and is made directly after you have processed the payment on your Internet bank.

Nordea Direct payment Nordea

Please use the following instructions to pay:
swish_logo_primary_idshape_RGB 123-65 83 736 (specify your social security number)
Bankgiro: 130-6570 (specify the OCR number)
Plusgiro: 965 83-0 (Specify your social security number or OCR number)

If you can’t pay the entire debt directly, please contact us at 010-550 78 50 and we can help you with an installment plan.

Make a payment to Legalis Inkasso from abroad

Please use the following instructions:
BIC /SWIFT): NDEASESS
IBAN: SE 2295000099601800965830
Please don’t forget to specify your social security number or organizational number and your current address.

Receiver of payment:
Legalis Inkasso
MailBox 1801
411 41 Göteborg
Sverige

Direct payment Nordea

With direct payment, you can pay fast and easily on the Internet, directly from your account. The service works like a transaction from your account to the Legalis Inkasso account, and is made directly after you have processed the payment on your Internet bank.

Nordea Direct payment Nordea

Other ways of paying

Please use the following instructions to pay:
swish_logo_primary_idshape_RGB 123-06 57 643 (specify your social security number)
Bankgiro: 5405-8714 (specify the OCR number)
Plusgiro: 955805-7 (Specify your social security number or OCR number)

If you can’t pay the entire debt directly, please contact us at 010-550 78 70 and we can help you with an installment plan.

Make a payment to Legalis Inkasso from abroad

Please use the following instructions:
BIC /SWIFT): NDEASESS
IBAN: SE 4095000099601809558057
Please don’t forget to specify your social security number or organizational number and your current address.

Receiver of payment:
Legalis Inkasso
MailBox 1801
411 41 Göteborg
Sverige

It is expensive not to pay directly

Even small debts can grow big if they are ignored. When fees are added, the debt grows dramatically.

If you give us a call, we can stop that development.

  • Invoice (example)


  • +

  • Debt collection


  • +

  • Injunction to pay


  • +

  • Counsel fee


  • =

  • Your debt

How far has my case progressed?

It isn’t always easy to keep track of what’s required during the various phases of a collection case. To enable you to get your bearings concerning you case, we have assembled frequently asked question, presenting them in the order of the phases of a typical case. If you have questions concerning you particular case, please contact our case administrators for assistance.

In this example, debt increases fast

Kim is a fictional character, but his story is realistic. The actual time intervals may vary, but the point is to demonstrate how quickly and drastically a debt may increase, if ignored.

Agreement reached

When two parties reach an agreement, it constitutes a contract. It is not required to be in writing. The decisive factors are that one party has made an offer (proposal) which the other party has accepted (agreed to). A common example of a contract is when a person buys a product from a company. The company commits to delivering the product, while the customer commits to paying the agreed-upon sum of money. Another example is of a contact is when a person is granted a loan or credit by a company. Don’t let you debts get out of hand. Call us, and we’ll find a solution together: 010-550 78 00.
QUESTION? What type of contract is preferable?
ANSWER! An oral contact may be hard to prove in case of a later disagreement, rendering a written contract preferable. In some cases, a written contract is mandatory for it to be valid. Examples are real estate and condominium contracts.
QUESTION? Can anyone enter into a contract?
ANSWER! Anyone over the age of 18 may enter into a contract. Below that age, consent from a parent or guardian is mandatory for the contract to be valid.
Day 1
A contract is concluded
Total 1000 SEK
Cost increase: 0 SEK

Kim buys a set of good headphones, costing 1 000 SEK. Kim finds that to be a bit much to pay on a single occasion, so he decides to pay in instalments instead. He’s required to pay 200 SEK per month for 5 months. The payment plan increases the cost through an interest rate of 19.90%, effective immediately.

Invoice

Issuing an invoice is a common way of charging a customer. Among other things, the invoice must contain information about both the seller and the buyer, the product or service sold, the amount to be paid as well as the date payment is due. Don’t let you debts get out of hand. Call us, and we’ll find a solution together: 010-550 78 00.
QUESTION? What happens if an invoice is not paid in time?
ANSWER! Companies will normally grant the buyer a credit period, 14 days, for instance. If so, the 14th day becomes the invoice’s expiry date. If payment is not made before the expiry date, a reminder notice is sent out. If the contract between the parties stipulate it, a reminder charge may be added to the customer’s debt. Usually, late-payment interest will begin to apply on the invoice expiry date as well. If an invoice is not paid, the issuing company may choose to turn the matter over to a debt collection company. The debt collectors will then issue a debt collection demand. If the invoice still goes unpaid, the matter may be sent to the Swedish Enforcement Authority. This may result in the debtor being recorded for the payment default, which may result in difficulty obtaining loans in the future.
QUESTION? What is an expiry date?
ANSWER! The expiry date is the final payment deadline for an invoice, i e the final date that an invoice must be paid.
QUESTION? What is an OCR number?
ANSWER! The OCR number is normally found in the footer of an invoice. The OCR number is a unique string of numbers used during the payment process to connect the payment to the correct customer.
QUESTION? What is an invoice service charge?
ANSWER! The invoice service charge is added to cover the company’s administrative costs for issuing the invoice.
DAY 5-30
The invoice is sent
Total 1049 SEK
Cost increase: 49 SEK

Day 5. Invoice sent – condition of payment 30 days
The creditor sends the invoice to Kim, for a service charge of 29 SEK. At this point, Kim becomes aware of spending more money than planned during the past month. He decides not to pay the invoice right now.


Day 30. The invoice lapses.
Since Kim haven’t paid according to contract, his debt is now 1 049 SEK.


1000 SEK (purchase)
+ 29 SEK (invoice service charge)
+ 20 SEK (interest)
______________________
= 1049 SEK

Reminder

If no payment is made by the invoice expiry date, a reminder will be sent to the customer. To cover the company’s costs for the additional invoice, a reminder charge may apply. Don’t let you debts get out of hand. Call us, and we’ll find a solution together: 010-550 78 00.
QUESTION? How much may a company charge for issuing a reminder?
ANSWER! A charge for a written reminder is only permitted if it has been agreed upon when the contract was concluded. The maximum reminder charge is currently 60 SEK.
QUESTION? Is the company required to issue a reminder notice before any debt collection demand?
ANSWER! In most cases, there exists no obligation to issue a reminder, but most creditors choose to issue one before the demand for debt collection.
DAY 36-46
A reminder is issued
Total 1128 SEK
Cost increase: 128 SEK

Day 36. A reminder is issued.
Kim has a forgotten about the matter when an envelope arrives. The reminder charge is 60 SEK and the interest has increased to 24 SEK. Once more, Kim chooses not to pay.

 

Day 46. Kim’s credit is cancelled.
Since Kim hasn’t paid after receiving the reminder, the creditor now cancels Kim’s credit, giving him 30 days in which to pay the debt. Kim forgets to pay.

 

1000 SEK (purchase)
+ 29 SEK (fakturaavgift)
+ 44 SEK (interest)
+ 60 SEK (reminder charge
__________________
= 1128 SEK

Debt collection demand

If an invoice remains unpaid, the the company demanding the payment may turn the matter over to a debt collection company, which then issues a debt collection demand, adding a collection charge of 180 SEK. With the debt turned over to the collectors, any payments must be made to them instead of to the original creditor Don’t let you debts get out of hand. Call us, and we’ll find a solution together: 010-550 78 00.
QUESTION? What happens if a debt collection demand is not paid?
ANSWER! In case of non-payment after a debt collection demand, the debt collection company may pass the case on to the Swedish Enforcement Authority which will then issue an injunction to pay. This means that the Enforcement Authority sends a message (the injunction) to the debtor with the debt collector’s payment demand. The debtor may then pay the debt, including any interest and charges. In that case, the debt collection company will retract the Enforcement Agency’s injunction. If not, the Enforcement Agency may instead issue a ruling. This means that the debt is established and may be utilized to seize the customer’s property, i e taking a portion of his or her salary or belongings as payment for the debt. This will also result in a record of non-payment.
DAY 76
Debt collection demand
Total 1445 SEK
Cost increase: 445 SEK

Coming home from work, Kim finds an letter from a debt collection company on his doormat. They collectors have taken over the debt from the online vendor. On top of his debt and other charges, he’s now required to pay a further 180 SEK due to the debt collection demans. Kim chooses to further ignore his debt.

 

1000 SEK (purchase)
+ 29 SEK (invoice service charge)
+ 76 SEK (interest)
+ 60 SEK (reminder charge)
+ 180 SEK (debt collection demand charge)
__________________________
1445 SEK

Order to pay

If a debt collection demand is not met, the debt collection company may turn over the matter to the Swedish Enforcement Authority for the issue of an order to pay. This means that the Enforcement Agency orders the debtor to pay the debt collection company. Applying for an order to pay entails paying a charge of 300 SEK. Normally, an additional 380 SEK fee for legal representation also applies. These costs will added to the customer’s debt. Don’t let you debts get out of hand. Call us, and we’ll find a solution together: 010-550 78 00.
QUESTION? Why is an order to pay applied for?
ANSWER! When a person has received an order to pay through the Swedish Enforcement Authority, he or she is given a certain amount of time to pay the owed sum. If no payment is received, the Enforcement Authority has the right to seize the debtor’s property or pay. The seizure is normally handled by the Enforecment Authority.
QUESTION? Will an order to pay result in a record of non-payment?
ANSWER! If the customer pays the debt in full within the time allotted by the Enforcement Authority, the Authority will close the case and the customer will not acquire a record of non-payment. If the customer doesn’t pay before the specified deadline, a record of non-payment will be issued.
DAY 94
Order to pay
Total 2025 SEK
Cost increase: 1025 SEK

Kim is shocked to find a letter from the Enforcement Authority in the mail, and resolves to pay his debt immediately. However, the order to pay has caused additional costs, a 300 SEK application charge as well as 380 SEK legal fee. This means that Kim can’t afford to pay. He still hasn’t contacted the Enforcement Authority and continues to ignore his predicament.

 

1000 SEK (purchase)
+ 29 SEK (invoice service charge)
+ 76 SEK (interest)
+ 60 SEK (reminder charge)
+ 180 SEK (debt collection demand charge)
+ 300 SEK (application charge)
+ 380 kSEK (legal representation fee)
__________________________
2025 SEK

Ruling/Record of non-payment

If a person has received an order to pay through the Swedish Enforcement Authority, he or she has a specified period in which to pay the amount owed. If the debtor doesn’t pay, the Enforcement Authority will rule to establish the debt. This means that the Authority has the right to seize (take) the person’s possessions/pay. Don’t let you debts get out of hand. Call us, and we’ll find a solution together: 010-550 78 00.
QUESTION? What’s the consequences of a ruling?
ANSWER! A ruling can be used to seize property owned by the debtor, as well as salary or other remuneration received by the person. Seizure with normally be handled by the Enforcement Authority. Such a ruling will also result in a record of non-payment. The record remains for three years and may affect the person’s opportunities to be granted a loan, renting an apartment etc.
DAY 126
Debt ruling
Total 2025 SEK
Cost increase: 0 SEK

The debt has now become a major stress factor for Kim, and he feels unable to tackle the situation. In fact, he doesn’t even open the letters from the Enforcement Agency at this point. But he’s also aware that ignoring the problems won’s make them go away. He’s having trouble sleeping.
 

1000 SEK (purchase)
+ 29 SEK (invoice service charge)
+ 76 SEK (interest)
+ 60 SEK (reminder charge)
+ 180 SEK (debt collection demand charge)
+ 300 SEK (application charge)
+ 380 SEK (legal representation fee)
__________________________
2025 SEK

Enforcement application

If a debt has been established by a ruling, the debt collection company may apply for enforcement by the Swedish Enforcement Authority. This entails the Authority seizing (taking) property from the debtor until the debt has been paid. Don’t let you debts get out of hand. Call us, and we’ll find a solution together: 010-550 78 00.
QUESTION? How can I avoid seizure by the Enforcement Authority?
ANSWER! You will receive notice from the Enforcement Agency if an enforcement application against you has been filed, together with the time allotted to you to pay your debt. If the debt is paid in full, the enforcement application is dismissed and seizure will not take place.
DAY 130
Enforcement application
Total 2625 SEK
Cost increase: 1625 SEK

In the next letter, Kim learns that the Swedish Enforcement Agency has established his debt, resulting in a record of non-payment. The debt collection company has passed the matter on to the Agency for enforcement. A 600 SEK enforcement charge of has been added to his debt.
Kim is devastated and worries about losing his possessions in a seizure.

 

1000 SEK (purchase)
+ 29 SEK (invoice service charge)
+ 100 SEK (interest)
+ 60 SEK (reminder charge)
+ 180 SEK (debt collection demand charge)
+ 300 SEK (application charge)
+ 380 SEK (legal representation fee)
+ 600 SEK (enforcement charge)
__________________________
2625 SEK

Seizure

A seizure entail seizing a person’s property in order to pay for his or hers debts. Property seized may be cash, movable and immovable property or salary/pay. Don’t let you debts get out of hand. Call us, and we’ll find a solution together: 010-550 78 00.
QUESTION? Is the Enforcement Authority allowed to come to my home and take anything they want?
ANSWER! Seizure follows a set order, normally the following: cash, bank balance, salary/wages, mutual funds shares and equities, other movable property and immovable property. For more information, please visit the Swedish Enforcement Authority website at www.kronofogden.se/Utmatning3.html.
DAY 140
Seizure
Total 2625 SEK
Cost increase: 0 SEK

One day, seizure is implemented by the Swedish Enforcement Authority, which means that a portion of Kim’s wages now goes directly the Authority, without first appearing in his bank account. Money is now scarce.

Do you have an unpaid debt? Be smart and contact us.

That’s the first step towards finding a solution and is always better that allowing the debt to get out of hand.

Important links

We are most willing to help you with your questions, but sometimes we are not best suited to answer them, or you might want someone else’s perspective on the matter. It’s not strange for us at all, in fact we think it is good. Therefore, we have gathered some links that we think might help you.

Budget and debt counselling
The data inspection authority
The consumer counselling office
Tax office
Enforcement officer

Start typing and press Enter to search

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